TellerScore

Symphony Federal Credit Union is a federal credit union headquartered in Boston, Massachusetts, in business for about 58 years. At the end of Q2 2026 it reported $2.2M in total assets and $2.0M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Symphony Federal Credit Union scores 26/100, which we describe as low. That is higher than only 1% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 120th. Its strongest component is funding & liquidity (88/100; 72% loans-to-deposits, 9% uninsured), and its lowest is loan quality (0/100; 6.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Net worth ratio: 8.09%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 6.21%
Earnings18/100
Return on assets (annualized): -0.04%
Funding & liquidity88/100
Loans ÷ shares: 72.4% · 8.6% uninsured
Problem-loan coverage2/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 49.02%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (27 → 26).

TellerScore
234362Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202423
Q3 202423
Q4 202456
Q1 202523
Q2 202527
Q3 202527
Q4 202529
Q1 202662
Q2 202626
Net worth ratio
7.00%8.03%9.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.57%
Q3 20248.64%
Q4 20247.99%
Q1 20257.88%
Q2 20258.27%
Q3 20258.44%
Q4 20258.52%
Q1 20269.05%
Q2 20268.09%
Delinquent loans (60+ days)
0.00%7.57%15.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 202411.92%
Q3 202412.21%
Q4 20240.00%
Q1 202511.68%
Q2 202515.13%
Q3 202510.13%
Q4 202512.01%
Q1 20261.85%
Q2 20266.21%
Return on assets
-1.43%0.76%2.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.11%
Q3 2024-0.88%
Q4 2024-1.43%
Q1 2025-0.23%
Q2 20250.31%
Q3 20250.36%
Q4 20250.57%
Q1 20262.96%
Q2 2026-0.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202626$2.2M8.09%6.21%-0.04%72.4%
Q1 202662$2.1M9.05%1.85%2.96%76.3%
Q4 202529$2.1M8.52%12.01%0.57%91.0%
Q3 202527$2.0M8.44%10.13%0.36%98.6%
Q2 202527$2.0M8.27%15.13%0.31%90.4%
Q1 202523$2.1M7.88%11.68%-0.23%82.7%
Q4 202456$2.1M7.99%0.00%-1.43%80.7%
Q3 202423$2.1M8.64%12.21%-0.88%80.0%
Q2 202423$2.1M8.57%11.92%-1.11%80.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.09%
5th
Problem loans6.21%
4th
Net charge-offs3.24%
3rd
Return on assets-0.04%
18th
Loans to deposits72.4%
29th
Uninsured deposits8.6%
9th
Loan-loss reserves0.41%
77th
Texas ratio49.0%
1st

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Deposit insurance

Is my money safe at Symphony Federal Credit Union?

Yes. Symphony Federal Credit Union is a federally insured credit union (NCUA charter #18861). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.6% of shares and deposits ($172K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.09%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Symphony Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Symphony Federal Credit Union
Type
Federal credit union
NCUA charter #
18861
RSSD ID
794680
Primary regulator
NCUA
Established
1968
Headquarters
301 Massachusetts Ave, Boston, MA 02115
Employees
2

Quick answers

Symphony Federal Credit Union: common questions

Is Symphony Federal Credit Union NCUA insured?

Yes. Symphony Federal Credit Union is a federally insured credit union (NCUA charter #18861). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Symphony Federal Credit Union's TellerScore?

26 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Symphony Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Boston

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs